745 Commons Dr, Sacramento, CA 95825 Property Records

Sacramento County property record for 745 Commons Dr, Sacramento, CA 95825

Property Summary

Property Type	Planned Unit Development
Details	2 bd · 2.5 ba · 1,720 sqft · built 1966
Lot Size	0.04 acres (1,742 sqft)
Owner	Trust Name on File
Last Sale	$365,000 (Aug 2019)
Tax Bill	$4,878 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Feb 2024 Mortgage + 4 more
Flood Zone	Zone X (reduced by levee)
APN	`295-0402-005-0000`

Property Details

APN / Parcel Number

Primary APN	`295-0402-005-0000`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,720 sqft Living Area
1st Floor Area	837 sqft
2nd Floor Area	883 sqft
Bonus Room	Bonus Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	L-Shape
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Other
Lot Area	1,742 sqft (0.04 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	745 COMMONS DR
City	SACRAMENTO
State	CA
Zip	95825-6634
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Planned Unit Development
Local Zoning Code	R-1-PUD
Legal Description	CAMPUS COMMONS 01, LOT 31
Legal Subdivision	CAMPUS COMMONS 01
Legal Lot Number	31
Jurisdiction	SACRAMENTO CA
Township / Civil Division	SACRAMENTO
Census Block Group	1
Census Block	1001
Census Tract	5403

Owner

745 Commons Dr, a planned unit development, is owner-occupied and held in a trust since August 2019.

Source: Sacramento County records, as of July 22, 2026

Owner of Record	Trust Name on File
Mailing Address	745 COMMONS DR, SACRAMENTO, CA 95825-6634
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2021	Deed of Trust, Mortgage · FHA Mortgage SUN WEST MORTGAGE COMPANY INC
Feb 15, 2024	Deed of Trust, Mortgage · FHA Mortgage SUN WEST MORTGAGE COMPANY INC
Sep 22, 2025	Deed of Trust, Mortgage · Line of Credit SCHOOLSFIRST FCU
Jan 15, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SCHOOLSFIRST FCU
Aug 30, 2019	Grant Deed, Transfer · FHA Mortgage BANK OF THE WEST
Aug 30, 2019	Quit Claim Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2019 · Amount on File
Deed Sale	Aug 30, 2019 · Amount on File
Prior Sale	Dec 23, 2015 · Amount on File
Deed Book / Page	20190830 / 1701
Prior Transfer Date	Aug 22, 2019
Prior Transfer Doc	8300000001700
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	745 COMMONS DR, SACRAMENTO, CA 95825-6634
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	TITLE CONNECTION, TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	745 COMMONS DR, SACRAMENTO, CA 95825-6634

Mortgage

Document Number	0000000097
Date	Dec 28, 2021
Instrument	2021122800097

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	BUENA PARK, CA 90620

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	745 COMMONS DR, SACRAMENTO, CA 95825-6634
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	745 COMMONS DR, SACRAMENTO, CA 95825-6634

Mortgage

Document Number	0000000953
Date	Feb 15, 2024
Instrument	202402150953

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	CERRITOS, CA 90703

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	335 Months
Due	Jan 1, 2052

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	745 COMMONS DR, SACRAMENTO, CA 95825-6634
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	745 COMMONS DR, SACRAMENTO, CA 95825-6634

Mortgage

Document Number	0000000337
Date	Sep 22, 2025
Instrument	202509220337

Lender

Name	SCHOOLSFIRST FCU
Type	Credit Union
Address	TUSTIN, CA 92780

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SACRAMENTO CA
Property Address	745 COMMONS DR, SACRAMENTO, CA 95825-6634
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	745 COMMONS DR, SACRAMENTO, CA 95825-6634

Mortgage

Document Number	0000000169
Date	Jan 15, 2025
Instrument	202501150169

Lender

Name	SCHOOLSFIRST FCU
Type	Credit Union
Address	TUSTIN, CA 92780

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jan 14, 2045

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Aug 30, 2019
Property Address	745 COMMONS DR, SACRAMENTO, CA 95825-6634
Document Number	1908301701
Instrument Date	Aug 24, 2019
Instrument	1908301701
Transaction Type	Transfer
Record Updated	Sep 13, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$401.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	745 COMMONS DR SACRAMENTO CA 958256634, SACRAMENTO, CA 95825-6634

Mortgage

Document Number	1908301702
Date	Aug 30, 2019
Instrument	1908301702

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 29, 2049

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SACRAMENTO CA
Recording Date	Aug 30, 2019
Property Address	745 COMMONS DR, SACRAMENTO, CA 95825-6634
Document Number	1908301700
Instrument Date	Aug 22, 2019
Instrument	1908301700
Transaction Type	Transfer
Record Updated	Sep 13, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7529 SANGIOVESE DR EL DORADO HILLS CA 957627734, EL DORADO HILLS, CA 95762-7734

Tax Assessment & Valuation

The 2025 property tax bill for 745 Commons Dr was $4,878 with a homeowner's exemption, down 35.6% from the year before.

Source: Sacramento County assessment roll, as of July 22, 2026

Property Jurisdictions

Type	Name
State	California
County	Sacramento County
Municipality	Sacramento City
Unified School District	San Juan Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$407,158 (+2%) Land $139,437 Building $267,721
2025	$4,878.00 (-35.56%) Homeowner's exemption	$399,175 Land $136,703 Building $262,472
2024	$7,570.00 (+1.65%)
2023	$7,447.00 (+0.4%) Homeowner's exemption	$383,677 Land $131,396 Building $252,281
2022	$7,417.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 745 Commons Dr in Zone X, where a levee reduces flood risk, though there have been 31 flood claims nearby since 1980.

Source: FEMA National Flood Hazard Layer, effective September 29, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 104 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	104 in force
Nearby Flood Claims	31 (1980–2023)
Claims Outside the SFHA	9 of 31
Most Recent Claim	Aug 2023 · rainfall accumulation
Claims by Event	Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 4 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 745 Commons Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF SACRAMENTO MAIN state or territorial government · serves 527,979 people · EPA ID CA3410020
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 308 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	1,000 / 75
unWired Broadband Fixed Wireless	300 / 30
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Fidium Fiber, GeoLinks, Succeed.Net.

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